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Which car insurance companies only look back three years for claims and driving history?
Are there any car insurance companies that only look back three years or less? My driving record has improved significantly in the past two years.
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Progressive
and State Farm
are two major car insurance
companies that may only look back three years for claims and driving history. Certain state laws may also limit how far insurance companies can look back.Keep in mind: While these providers may only use a few years of your driving and claims history in their calculations, you shouldn’t count on it. Car insurance providers can (and often do) access up to seven years of your claims and driving history through a shared database called the Comprehensive Loss Underwriting Exchange (CLUE).
If you're worried about how your driving history will impact your insurance rates, it's best to
compare insurance quotes
from multiple companies. Jerry
, the AllCar™ app, lets you do this for free without any phone calls, paperwork, or hassles.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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